All large human systems, government, academia, business, whatever, converge to this. Everybody's comfortable, nobody's working too hard, sure, we'll get to it in a couple months...maybe. The paychecks will keep on coming, we can all go home at 5, everything's great.
Then, all of a sudden, some small startup "cuts corners", doesn't fill out the paperwork, kind of ignores all this "compliance" a bit, and somehow...out-executes you with 1/10th the staff, at half the price.
The immediate reaction is always disbelief, and rationalization. "They don't have feature X". "They aren't PCI-DSS compliant." Yet somehow, the customers are lining up and can't get enough. Someone figured out precisely what mattered and what didn't (what people were willing to pay for), and delivered it.
Single-payer healthcare, the DMV, and private equity-created monopolies are what happens when there's no competition. There lies the world of consistently higher prices, "waiting rooms", we can't do that because "it's never been done that way before", etc.